California insured fire losses said to top $1 billion dollars...

"America the beautiful, what beauty shall you have when the fires are upon you? O My children, I repeat Myself over and over again to you, hoping in My Mother's heart that you will listen." (Our Lady, 5-18-77)

SAN FRANCISCO, Oct 24 (Reuters) - Insured losses from Southern California wildfires have exceeded $1 billion and could rival losses from some of the costliest fires in California's history, a company that estimates catastrophic losses said on Wednesday.

"It all depends on the weather," said Tom Larsen, a senior vice president with EQECAT, a disaster modeling company. "If the wind keeps blowing, the dollars keep tallying."

Wildfires burned across Southern California for a fourth day on Wednesday. More than 500,000 people have been evacuated, most in the San Diego area, and more than 1,436 homes have been destroyed. Another 25,000 structures were threatened statewide.

The San Diego area was ravaged by a fire in October 2003 that destroyed more than 2,000 homes. Insured losses were $1.2 billion in 2006 dollars, making it the second costliest wildland blaze in California's history, according to the Insurance Information Institute (III).

The most destructive wildland fire in California was in October 1991 in residential areas in the hills of Oakland. Its insured losses were $2.5 billion in 2006 dollars.

"This year's fires are extreme but not unusually so," EQECAT said in a statement.

"The trend of the last several decades (has been) populating the 'wildland-urban' area, exposing more people and insured values to the ever present fire risk in California," the company said.

An EQECAT computer-generated model of brushfire losses in California carries expectations for $1 billion in such losses about every eight years, and $2 billion in brushfire losses about every 15 years.

California Lt. Gov. John Garamendi, formerly the state's insurance commissioner, said in a telephone interview that it was too soon to estimate losses from the wildfires, but he expected that insurers were well prepared to cope with them.

Ron Lane, chief of emergency services for San Diego County, said at a news conference on Wednesday that damages would top $1 billion.

"Losses of these magnitudes, of $1 billion or up to $2 billion, are events the industry anticipates," Robert Hartwig, an economist and president of III, said during a telephone interview.

Goldman Sachs analyst Thomas Cholnoky said in a research note on Wednesday that because of how widespread the fires were it appeared that losses could be spread more evenly across all of the insurance companies operating in California.

He had said in a note on Tuesday that it appeared "non-traditional" companies and markets such as London-based Lloyd's might bear the brunt of the losses.

Cholnoky wrote on Wednesday that "attempting to identify possible individual company losses may not be as simple as looking at market share based on stricter underwriting standards that many companies adopted to avoid the very issue of brushfire exposures."

"It's a catastrophic event for California, but it's not going to have a major impact on the insurance industry," David Bradford, chief knowledge officer of Advisen Ltd., an information service for the commercial insurance industry, said on Wednesday.

"That would require the kind of events we saw in 2005, when Hurricane Katrina cost $41 billion in insured losses. California's not going to be close to that."

Allstate Insurance Co said in a statement on Wednesday that it had sent response units to Southern California to help its customers affected by the wildfires. The company said the units were in motor homes where people could meet with catastrophe specialists who would begin handling claims.

Allstate said the units, which would be open seven days a week, were at Qualcomm Stadium in San Diego and the Orange Show Fairgrounds in San Bernardino. The company said other units were due to arrive in the area later in the week. Our Lady - "America the beautiful, what beauty shall you have when the fires are upon you? O My children, I repeat Myself over and over again to you, hoping in My Mother's heart that you will listen. The sheep are straying; the shepherds are lost." ( 5-18-77)

The fires shall increase...
Our Lady - "Pray, My children, a constant vigilance of prayer. Pray that your leaders will recognize the signs given by your God. Shall these increase in volume: the earth quakes, the pestilence, the fires, the floods, the great heat? My children, who holds the balance for this? You, My children do! The merciful heart of the Father watches patiently, but I repeat: the sands are fast running out of the hourglass." (3-18-77)

Editor's comment: Thousands of terrorists from all over the world have come through Mexico with the intent of destroy the United States from within. They could start gigantic fires in our cities, states, and throughout the country. See: Trojan Horse within the United States https://www.tldm.org/news5/trojanhorse.htm Be sure to have crucifixes on all your outside doors. See: Heaven's Home Protection Packet

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Our Lady of the Roses' Awesome Bayside Prophecies... https://www.tldm.org/Bayside/
These prophecies came from Jesus, Mary, and the saints to Veronica Lueken at Bayside, NY, from 1968 to 1995:

The Mechanical Aptitude to set upon the world the Great Fires...
Jesus - "My children, it is because of man's sin that this trial has come upon you. Through countless earth - years My Mother wandered to and fro pleading with you to accept and not reject Her counsel, for as errant children you would receive your just reward. Man has now, in his search for knowledge, the facilities, the mechanical aptitude to set upon your world the great fires. Man, who has ever been searching and never coming to the truth!" (11-14-77)

How many warnings must the Eternal Father send upon mankind...
Our Lady - "O My children, you are truly blind! These warnings have been given for time, and an extension of time to mankind before the major catastrophe shall be sent upon you, the baptism of fire. You have received these warnings that have gone by unnoticed: floods, hurricanes, fires, disasters, accidents that are not accidents, earthquakes in places that have never experienced such terror before. How many warnings must the Eternal Father send upon mankind before they will awaken and do penance?" (9-28-76)

What beauty shall you have when the fires are upon you?
Our Lady - "America the beautiful, what beauty shall you have when the fires are upon you? O My children, I repeat Myself over and over again to you, hoping in My Mother's heart that you will listen. The sheep are straying; the shepherds are lost." ( 5-18-77)

I see fires springing up...
Veronica - I see a huge globe now coming through the sky. It looks like a globe of the earth. Like pinpoints I see fires springing up. I don't understand it. It looks like the globe is on fire. (6-18-93)

Our Lady - "You will observe, My child, the fires that will rage across earth." (1-31-76)

Crucifix on front and back door... The only real protection against fires...
Jesus - "Pray and wear your sacramentals. And, also, My children, I ask you again to place a crucifix upon your door. Both front and back doors must have a crucifix. I say this to you because there will be carnage within your areas, and this will pass you by if you keep your crucifix upon your doors." (6-30-84) (Testimonies of lives and homes saved by the crucifixes.) https://www.tldm.org/news/crucifix.htm

Directives from Heaven... https://www.tldm.org/directives/directives.htm

D47 - United States (Part 1) PDF
D48 - United States (Part 2) PDF
D156 - Terrorism PDF
D158 - America the Beautiful PDF
D193 - Turn back: You are on the wrong road PDF
D205 - Sin is insanity PDF
D240 - Man's Inhumanity to Man PDF
D272 - Many nations shall disappear PDF
D275 - The eagle has been plucked PDF
D278 - Famine PDF

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There are 4 Things You Must Have to Survive the End Times:

1.) The Douay-Rheims Holy Bible...

"I ask that all who hear My voice will take their Bibles, and if they do not have one, search, but find the right Bible, those printed not after 1965, My children." - Jesus, October 5, 1985
     "You must all obtain a copy of the Book of life and love, the Bible. Do not accept the new mods. Try to find in your bookstores the old Bibles, My children, for many are being changed to suit the carnal nature of man. I repeat, sin has become a way of life." - Our Lady, October 6, 1992
    "I must ask you all to read but a few short chapters a day now, the Book of life and love, your Bible. Knowledge must be gained for all the disciples of My Son, for you will be attacked by scientific minds. But do not be concerned what you will say to them when accosted, for the words will be given to you by the Spirit." - Our Lady, April 10, 1976
    The Douay-Rheims Bible was published in 1899. It is the official Bible of the Roman Catholic Church. Almost all other Bibles have been rewritten by Satan.   See: https://www.tldm.org/directives/d33.htm , https://www.tldm.org/directives/d415.htm and https://www.tldm.org/directives/d182.htm   If you don't have a Douay-Rheims Bible order it now! (Order Form) Yours and your loved ones salvation could depend on it.
    Read the Bible cover to cover. If you read 4 chapters a day, you will complete the whole Bible in 334 days. I have read the Bible 2 times and working on the third time. A 75 year old Baptism gentleman told me that he and his wife have read the Bible nine times. Wow!

2.) The Complete Virgin Mary’s Bayside Prophesies in 6 Paperback Books..

The Virgin Mary brings directions from God, the Father in Heaven on how to survive the end times. God, the Father, through the Virgin Mary, tells what is coming, how to prepare for it, how to survive it, and how to even stop it. These six volumes along with the Bible are most important to save yourself and your loved ones. Order it now. Tomorrow may be to late. These 6 pocket size paperback books costs $33.00. (Order Form)

3.) Heaven's Home Protection Packet...

Heaven’s Home Protection Packet...
Our Lord stated we must have crucifixes upon the outside of all of our outside doors. In the "Heaven’s Home Protection Packet" there are instructions, four crucifixes, a tube of special cement for wooden or metal crucifixes. Wooden crucifixes adhere better to the doors when the aluminum strap is removed from the back. Put a light coat of cement on the back of the crucifix and then press it to the outside of the door. If you have any problems, you can call us at 616-698-6448 for assistance. This Heaven’s Home Protection Packet is available for a donation of $10.00 plus $4.00 shipping and handling. Send $14.00 to TLD Ministries, P.O. Box 40, Lowell, MI 49331. Item # P15 (Order Form)

Crucifix on front and back door... The only real protection against terrorists...
Jesus - "Pray and wear your sacramentals. And, also, My children, I ask you again to place a crucifix upon your door. Both front and back doors must have a crucifix. I say this to you because there will be carnage within your areas, and this will pass you by if you keep your crucifix upon your doors." (6-30-84) (Testimonies of lives and homes saved by the crucifixes.) https://www.tldm.org/news/crucifix.htm (Order Form)

4.) Heaven's Personal Protection Packet...

Heaven’s Personal Protection Packet . . .
Our Lady tells us to be protected from all evil, we must wear the following sacramentals around our necks: a Rosary, a crucifix, the St. Benedict medal, Our Lady of the Roses medal, the Miraculous Medal, and the scapular. We have all of these sacramentals in a packet we call "Heaven's Personal Protection Packet." This packet is available for a donation of $7.00 plus $3.00 shipping and handling. Send $10.00 to TLD Ministries, P.O. Box 40, Lowell, MI 49331. Item # P5 (Order Form)

    Our Lady of the Roses, Mary Help of Mothers promises to help protect our children. On September 13, 1977, She said, "He has an army of ogres wandering now throughout your country and all of the countries of the world. They are in possession of great power; so wear your sacramentals, and protect your children and your households. Learn the use every day of holy water throughout your household. Insist even with obstructions, insist that your children always wear a sacramental. One day they will understand that they will repel the demons."
    On February 1, 1974, Our Lady said, "My children, know the value of these sacramentals. Guard your children well. You must awaken to the knowledge that you will not be protected without the sacramentals. Guard your children's souls. They must be surrounded with an aura of purity. Remove them if necessary from the sources of contamination, be it your schools or even false pastors."
    This Heaven’s Personal Protection Packet is available for a donation of $7.00 plus $3.00 shipping and handling. Send $10.00 to TLD Ministries, P.O. Box 40, Lowell, MI 49331. You may use your MasterCard, VISA, or American Express and call 1-616-698-6448. Item # P5 (Order Form)

Incredible Bayside Prophecies on the United States and Canada book . . .

We have researched the Bayside Prophecies on the United States and Canada and put these outstanding prophecies in a 360 page pocket size paperback book. Veronica said it was very good. It tells what is going to happen here and how to prepare for it. Every North American must read this book! Item #B2 Cost $5.00 (Order Form)

My gift to help spread Our Lady of the Roses' messages to the world.

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Revised: August 22, 2019